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This one’s for you Wally! Not that I know the answer, so I’m posing it to my readers.

Wally asked, “Since you post about personal finance, can you recommend someone to talk to me about credit card debt? I have zero debt. The reason I want to talk to someone is strategies to boost credit ratings.”

Well Wally, you and I are knit from the same cloth because I don’t have any credit card debt either.

Here are my scores:

787 Equifax

781 Experian

774 Transunion

Considering I don’t have any debt and paid off a significant chunk of my student debt, I’m perplexed my scores aren’t in the 800s. I am, however, a refi fiend and the numerous credit inquiries have resulted in my scores taking a bit of a tanking.

Anyone have any ideas on how to boost your credit score?

I don’t place too much weight on credit scores as long as they’re above average. Does it really even matter?

Dear Vixen,

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Welcome to the Dear Vixen blog, derived from an advice column I wrote while getting my MBA. I'm Catherine Gacad. I live in SF. I give helpful, opinionated advice based on my own experience and from the expertise of my extensive network. Email me with topics and questions or suggestions for guest posts. For more click here.